BENEFITS AT A GLANCE HC13GPIN 4 B-21114 (11/25) MONTHLY EARNINGS Monthly earnings means your gross monthly income from your Employer in effect just prior to your date of disability. It includes your total income before taxes, and any deductions made for pre-tax contributions to a qualified deferred compensation plan, Section 125 plan, or flexible spending account. It does not include income received from commissions, bonuses, overtime pay, any other extra compensation, or income received from sources other than your Employer. Earnings, whether for a full year or partial year, will be converted to a monthly amount for the purpose of calculating the monthly payment. MAXIMUM PERIOD OF PAYMENT For a disability which begins before you reach age 60, the maximum period of payment will be until the Social Security Normal Retirement Age (SSNRA) as shown in the following table: Year of Birth Social Security Normal Retirement Age (SSNRA)* Before 1938 ................................................................................................................................... 65 years 1938 ....................................................................................................................... 65 years and 2 months 1939 ....................................................................................................................... 65 years and 4 months 1940 ....................................................................................................................... 65 years and 6 months 1941 ....................................................................................................................... 65 years and 8 months 1942 ..................................................................................................................... 65 years and 10 months 1943-1954 ..................................................................................................................................... 66 years 1955 ....................................................................................................................... 66 years and 2 months 1956 ....................................................................................................................... 66 years and 4 months 1957 ....................................................................................................................... 66 years and 6 months 1958 ....................................................................................................................... 66 years and 8 months 1959 ..................................................................................................................... 66 years and 10 months 1960 and after ............................................................................................................................... 67 years For a disability which starts on or after you reach age 60, the maximum period of payment will be determined according to the following table: Your Age When Disability Begins Maximum Period of Payment Age 60 ............................................................................... 60 months or to SSNRA*, whichever is greater Age 61 ............................................................................... 48 months or to SSNRA*, whichever is greater Age 62 ............................................................................... 42 months or to SSNRA*, whichever is greater Age 63 ............................................................................... 36 months or to SSNRA*, whichever is greater Age 64 ............................................................................... 30 months or to SSNRA*, whichever is greater Age 65 ........................................................................................................................................ 24 months Age 66 ........................................................................................................................................ 21 months Age 67 ........................................................................................................................................ 18 months Age 68 ........................................................................................................................................ 15 months Age 69 and over ......................................................................................................................... 12 months *Age at which you are entitled to unreduced Social Security benefits based on the Social Security Amendments of 1983. REGULAR OCCUPATION PERIOD 3 Year(s)